"And may I venture to intreat you to abstain from visiting the gambling-house again?"

"Oh, don't you worry yourself! If you had only spoken at first like a gentleman, I should have promised you without being asked."

"Both you and Mrs Brammel must see, I am sure, the very great propriety of avoiding all such scenes."

"Yes," answered Mary Anne; and then repeating her husband's words, "but if you had only spoken at first like a gentleman!"

"Perhaps I was too hasty, madam. It is a fault that I have. We shall understand one another much better for the future. You will be at home in about—ten days we'll say, from the present time, at latest."

"Oh, don't fix days, I never could bear it! We shall be all right. Will you stay breakfast?"

Michael excused himself, and, having done all that was permitted him, departed. With a sad spirit he encountered his lady, and with gloomy forebodings his mind was filled that day. Augustus Brammel was destined to be his thorn, his trial, and his punishment. He could see it already. His house, otherwise so stable, so promising, and so prosperous, would receive a mortal blow from this one threatening point. It must be warded off. The hurtful limb must by degrees be got away. He must, from this time forward, engage himself in its removal. It was, after all, a consolation to have met the pair, and to have succeeded so far in frightening them home again, as he fully believed he had. For a time at least, he conceived that Brammel was still safe. This conviction gave him courage, and carried him on his road to Lyons, with a heart not altogether ill at ease, and without good hope. In the meanwhile Mrs Brammel had inveighed, in the most unmeasured terms, against the insolent behaviour of Mr Allcraft, the pride and arrogance of his wife, whom she had never seen—the marked, unpardonable insult she had offered her in not accompanying Allcraft on his visit; and had succeeded, in short, in effectually driving from her husband's mind the little good effect which had been produced by the partner's just remonstrance. Ignorant and vulgar as she was, the woman had unbounded influence and power. How much, may be guessed from the fact, that before Michael Allcraft was ten miles on his journey to Lyons, she had prevailed upon her husband to draw his first cheque upon his house to the tune of £500, and to prolong their holiday by visiting in succession the south of France, Switzerland, and Italy. The fool, after an inane resistance, consented; his cheque was converted to money—the horses were ordered—and on they dashed.

CHAPTER IV.

A SPECULATION.

"When the cat is away, the mice begin to play." It is an old and a true saying, and Michael, had he been an experienced mouser, would have remembered it to his advantage, when he thought of leaving the banking-house to the tender mercies of his colleagues. His confidence in Planner was very great, and I will not say undeserved; still some account should have been taken of his previous habits, and the positive abiding infirmity of human nature. It was surely dangerous to surround a man so fickle, and so easily led by the delusions of his sanguine spirit, with every temptation to walk astray, and to remove every check that had hitherto kept down the capricious movements of his most unsteady will. The daily, almost hourly presence of Allcraft, his vigorous and immediate superintendence of affairs, had subdued the speculative soul of Planner, and rendered him a useful man of business. He was, in truth, a good accountant, ardent in his pursuits, a faithful friend, an honest man. With the needful restraints upon him, he proved, as Allcraft had believed he would, a warm and active partisan. Had those restraints been continued for any time—had he been trained, and so reconciled and accustomed to his yoke, all might have prospered and been well with him. His own happiness might have been secured, and the hopes of his friend and patron would not have been blasted. It was the misfortune of Allcraft, with all his long-sightedness, not to see far enough. He was to blame, deeply to blame, for the desertion of a man whom he knew to be at the mercy of his own wayward spirit, and utterly incapable of self-defence. Yet, called abroad, what could he do? It is the fate of cunning, as it is of suspicion and other mortal weaknesses, to fall into toils of its own weaving. Michael too soon was called to pay the penalty. Allcraft had been in France a fortnight, when Planner received a fatal visit at the bank from a very old friend and stanch ally—a creature as excitable and sanguine as himself, as full of projects, and as unsuccessful. They had known each other in the early and distant days of their prosperity—they had grown poor together—they were united by the uniformity of their fortunes as by the similarity of their natures. They had both for years regarded themselves as the persecuted and injured of society—and both were satisfied of their ability to achieve miracles, time and the occasion serving. It is not for speculative spirits to be disheartened by failure, but rather to be encouraged by ill success to fresh extravagance, else had the poor result of all their schemes long since extinguished the fire at work within them. Not one of their innumerable plans had shown a gleam, a spark, of reality and life. One morning, about five years before the present visit, Mr William Wedge rose from bed with the pleasing notion that he would ruin all the public gaming-houses in the world. He had suddenly discovered the secret of their success—the cause of their enormous gains—and had arranged, with minutest care and skill, a systematic course of play to bring against them. It was with difficulty that he contained himself until he mentioned his good fortune to his friend. They met time after time in secret, grew fearfully mysterious—closed their windows in the open day—played cards from morning till night, and sometimes through the night—with no other eye upon them than the very feeble, faint-glimmering one of their farthing rushlight;—they carried directions in their pocket—learnt them off—repeated them until they grew familiar as their oaths, and more familiar than their prayers. To realize between them a standing capital of five pounds, a sum essential to their operations, they pawned all the available clothing they possessed; and on the very night that they obtained the cash, they sallied forth to carry devastation and affright throughout the camps of innocent and unsuspecting blacklegs. As might be expected, it took about as many minutes as they had pounds to effect the ruin of the adventurers. Did they despond? Not they; a flaw existed in their calculations. They looked for it with care, and were torn from their employment only by the exigencies of the time, and the pressing demands of nature for immediate bread. Mr Wedge had from this period struggled on, living as he knew how, and nobody could tell, until Planner's unexpected good fortune and ascent provided him with an allowance and a quiet mind to follow out his views. Since Planner's introduction into the bank, he had behaved faithfully and well to his ancient crony; in addition to a pension, paid weekly and in advance, he gave him a right of entrée to his rooms after the hours of business, a certain supper three times a-week, and an uncertain quantity of brandy and water on the same occasions. One stipulation only he deemed necessary for his protection. He had given his word to Allcraft to avoid all trading unconnected with the bank—to abstain from speculation. Weak at the best of times, he knew himself to be literally helpless with the ignis fatuus of a hopeful project before his eyes; and he made a condition of Wedge's visits—his silence upon matters of business, private or public. It was a wise resolution, nobly formed, and for a season well carried out. Wedge promised to be cautious, and did not break his word. Peace of mind, a regular diet, and a full stomach, were such extraordinary circumstances in the daily doings of the latter, that the restraint upon his tongue was, in the first month or two of the new excitement, scarcely felt as an inconvenience. Planner himself, with the eye of Allcraft upon him, kept his natural inclination safely in the rear of his promise, and so the days and nights passed pleasantly. On the evening above alluded to—that is to say, just a fortnight after Michael's departure—Wedge came as usual for his supper, grog, and conversation. The clock had just struck eleven—the friends were sitting together, their feet upon the fender, their hands upon their tumblers. As was usual with them, they discussed the doings of the nation, and called in question the proceedings of the existing government. One subject after another was dismissed—politics, law, love, and religion—they abused every thing, and agreed marvellously. It was getting very near midnight, the hour at which, it is said, devils are let loose upon earth for mischief—when a rascally little imp crawled up to Planner's ear, and put it into his head to talk about the amusements of the poor, and their effects upon the rising generation.